IMO NFCU is far superior to any bank card. I have the nRewards Visa ($11K) and the LOC ($15K). They have approved every CLI I submitted.
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)
EX=738
EQ=735
TU=754
FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739
